> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincept.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing

> Credit-based pricing with transparent costs and flexible subscription plans

# Pricing

Fincept API uses a **credit-based system** where credits are consumed per API call. Choose from flexible subscription plans or pay-as-you-go with one-time credit purchases.

## Credit Costs by Tier

QuantLib endpoints are organized into four tiers, each with different credit costs:

| Tier         | Cost per Request | Modules Included                                               |
| ------------ | ---------------- | -------------------------------------------------------------- |
| **Free**     | 0 credits        | Core, Scheduling                                               |
| **Basic**    | 1 credit         | Statistics, Numerical, Solver, Economics                       |
| **Standard** | 2 credits        | Analysis, Curves, Pricing, Instruments, Stochastic, Volatility |
| **Pro**      | 5 credits        | Models, Portfolio, Risk, Regulatory, ML, Physics               |

<Info>
  **Free tier endpoints** consume 0 credits and are always available to all users!
</Info>

### Examples

| Endpoint                              | Tier     | Credits |
| ------------------------------------- | -------- | ------- |
| `/quantlib/core/date/is-business-day` | Free     | 0       |
| `/quantlib/statistics/mean`           | Basic    | 1       |
| `/quantlib/pricing/black-scholes`     | Standard | 2       |
| `/quantlib/risk/var`                  | Pro      | 5       |

## New User Credits

### Free Account (350 Credits)

Every new registered account receives **350 free credits** that **never expire**:

```bash theme={null}
curl -X POST https://api.fincept.in/user/register \
  -H "Content-Type: application/json" \
  -d '{
    "username": "yourname",
    "email": "your@email.com",
    "password": "SecurePass123!"
  }'
```

**What you get:**

* 350 credits (never expire)
* Access to all Free tier endpoints (unlimited)
* Access to Basic tier (350 requests)
* Access to Standard tier (175 requests)
* Access to Pro tier (70 requests)
* Full API documentation
* Community support

### Guest Account (50 Credits)

Test the API with a temporary guest account:

```bash theme={null}
curl -X POST https://api.fincept.in/guest/create \
  -H "Content-Type: application/json" \
  -d '{"device_id": "test-device"}'
```

**What you get:**

* 50 credits (24-hour validity)
* Access to Free tier only
* Limited to 50 requests/day
* No credit top-up available

<Warning>
  Guest accounts expire after 24 hours. Register for a permanent account to get 350 free credits!
</Warning>

## Subscription Plans

Recurring monthly subscriptions with automatic credit renewal.

<CardGroup cols={3}>
  <Card title="Basic Plan" icon="cube">
    **₹499/month**

    * 500 credits/month
    * All tiers access
    * 1,000 requests/hour
    * Email support
    * Usage analytics
  </Card>

  <Card title="Standard Plan" icon="star">
    **₹1,999/month**

    * 2,500 credits/month
    * All tiers access
    * 2,000 requests/hour
    * Priority email support
    * Advanced analytics
    * Early access to features
  </Card>

  <Card title="Pro Plan" icon="crown">
    **₹4,999/month**

    * 7,500 credits/month
    * All tiers access
    * 5,000 requests/hour
    * Dedicated support
    * Custom integrations
    * SLA guarantees
  </Card>
</CardGroup>

### Enterprise Plans

Custom solutions for large-scale deployments:

* 📞 **Contact Sales**: [support@fincept.in](mailto:support@fincept.in)
* 💰 **Custom pricing** based on volume
* 🚀 **Dedicated infrastructure** options
* 📊 **Advanced analytics** and reporting
* 🔐 **SSO integration** and custom security
* 📜 **Custom SLAs** and support tiers
* 🌍 **On-premise deployment** available

## One-Time Credit Purchases

Buy credits as needed without recurring subscription:

| Package    | Credits | Price (INR) | Cost per Credit |
| ---------- | ------- | ----------- | --------------- |
| Starter    | 200     | ₹199        | ₹0.995          |
| Standard   | 500     | ₹449        | ₹0.898          |
| Pro        | 1,000   | ₹799        | ₹0.799          |
| Enterprise | 5,000   | ₹3,499      | ₹0.700          |

<Info>
  One-time credits **never expire** - use them whenever you need!
</Info>

### Purchase Credits

```bash theme={null}
curl -X POST https://api.fincept.in/cashfree/create-order \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "plan_id": "credits_500"
  }'
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "payment_url": "https://payments.cashfree.com/...",
    "session_id": "session_abc123",
    "amount": 449
  }
}
```

## How Credits Work

### Credit Deduction

Credits are deducted **after successful API calls**:

1. **Request validated** - API key and parameters checked (no charge)
2. **Computation performed** - QuantLib calculation executed
3. **Credits deducted** - Only if request succeeds
4. **Response returned** - Results sent to client

<Info>
  **Failed requests do not consume credits!** You're only charged for successful operations.
</Info>

### Check Credit Balance

```bash theme={null}
curl https://api.fincept.in/user/profile \
  -H "X-API-Key: fk_user_your_key"
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "username": "johndoe",
    "account_type": "free",
    "credit_balance": 284.5,
    "created_at": "2024-01-15T10:30:00Z"
  }
}
```

### View Usage History

Track your credit consumption:

```bash theme={null}
curl https://api.fincept.in/user/usage \
  -H "X-API-Key: fk_user_your_key"
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "period": "last_30_days",
    "total_requests": 127,
    "total_credits_used": 65.5,
    "current_balance": 284.5,
    "endpoint_usage": {
      "/quantlib/pricing/black-scholes": {
        "count": 45,
        "credits": 90
      },
      "/quantlib/risk/var": {
        "count": 5,
        "credits": 25
      }
    }
  }
}
```

## Insufficient Credits

When your balance is too low, the API returns an error:

```json theme={null}
{
  "success": false,
  "message": "Insufficient credits",
  "detail": "Required: 5 credits, Available: 2 credits. Please purchase a new plan to continue."
}
```

**HTTP Status:** 402 Payment Required

<Tip>
  Top up your credits before they run out to avoid service interruptions!
</Tip>

## Credit Expiry

| Account Type                      | Credits Expire?                      |
| --------------------------------- | ------------------------------------ |
| Free account (350 signup credits) | Never expire                         |
| One-time purchases                | Never expire                         |
| Monthly subscription              | Monthly (use it or lose it)          |
| Paid plan (after expiry)          | Auto-downgrade to free (350 credits) |

### Expiry Behavior

**Subscription Credits:**

* Refresh on the 1st of each month
* Unused credits do **not** roll over
* Cancel anytime, use credits until end of billing period

**After Subscription Ends:**

* Account automatically downgrades to free tier
* Receive 350 free credits (never expire)
* Can still access all tier endpoints (at their credit costs)
* Can purchase one-time credits or resubscribe anytime

## Payment Methods

Secure payments powered by **Cashfree Payment Gateway**:

### Supported Methods

<CardGroup cols={3}>
  <Card title="Cards" icon="credit-card">
    * Visa
    * Mastercard
    * RuPay
    * American Express
  </Card>

  <Card title="UPI" icon="mobile">
    * Google Pay
    * PhonePe
    * Paytm
    * BHIM UPI
  </Card>

  <Card title="Banking" icon="building-columns">
    * Net Banking
    * Digital Wallets
    * EMI options
  </Card>
</CardGroup>

### Payment Process

1. **Create checkout session** - Generate payment URL
2. **Complete payment** - Redirect to Cashfree
3. **Verify payment** - Automatic webhook validation
4. **Credits added** - Instantly to your account

```bash theme={null}
# Step 1: Create checkout
curl -X POST https://api.fincept.in/cashfree/create-order \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{"plan_id": "basic_monthly"}'

# Step 2: User completes payment at returned URL

# Step 3: Check updated balance
curl https://api.fincept.in/user/profile \
  -H "X-API-Key: fk_user_your_key"
```

## Transaction History

View all credit purchases and deductions:

```bash theme={null}
curl https://api.fincept.in/user/transactions \
  -H "X-API-Key: fk_user_your_key"
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "transactions": [
      {
        "id": 123,
        "transaction_id": "txn_abc123",
        "amount_inr": 4.99,
        "credits_purchased": 500,
        "status": "completed",
        "created_at": "2024-01-15T10:30:00Z",
        "completed_at": "2024-01-15T10:30:15Z"
      }
    ]
  }
}
```

## Cost Optimization Tips

### 1. Start with Free Tier

Use free tier endpoints (0 credits) whenever possible:

```bash theme={null}
# Free - Check if date is business day
/quantlib/core/date/is-business-day

# Free - Parse date from string
/quantlib/core/date/parse

# Free - Create schedule
/quantlib/scheduling/schedule
```

### 2. Batch Similar Calculations

Instead of multiple API calls, batch similar operations when designing your workflow.

### 3. Cache Results

Store frequently used results (yield curves, calibrated models) locally and reuse them.

### 4. Use Appropriate Tiers

Don't use Pro tier (5 credits) when Basic tier (1 credit) is sufficient:

```bash theme={null}
# Use Basic tier for simple statistics (1 credit)
/quantlib/statistics/mean

# Not Pro tier VaR (5 credits) for simple mean calculation
```

### 5. Monitor Usage

Regularly check usage analytics to identify optimization opportunities:

```bash theme={null}
curl https://api.fincept.in/user/usage \
  -H "X-API-Key: fk_user_your_key"
```

## Rate Limits

Prevent abuse while ensuring fair usage:

| Account Type  | Requests/Hour | Requests/Day |
| ------------- | ------------- | ------------ |
| Free account  | 500           | Unlimited    |
| Basic plan    | 1,000         | Unlimited    |
| Standard plan | 2,000         | Unlimited    |
| Pro plan      | 5,000         | Unlimited    |
| Enterprise    | Custom        | Custom       |
| Guest account | 60            | 50           |

Rate limit headers in every response:

```bash theme={null}
X-RateLimit-Limit: 500
X-RateLimit-Remaining: 498
X-RateLimit-Reset: 1640998800
```

## Refund Policy

* **Credits**: Non-refundable once purchased
* **Subscriptions**: Cancel anytime, no refund for current period
* **Service Issues**: Contact [support@fincept.in](mailto:support@fincept.in) for review
* **Payment Errors**: Automatic refund within 7 business days

## FAQs

<AccordionGroup>
  <Accordion title="Do free credits expire?">
    No! The 350 signup credits and all one-time credit purchases never expire.
  </Accordion>

  <Accordion title="What happens when I run out of credits?">
    API calls will fail with a 402 error. Purchase more credits or upgrade to a subscription plan.
  </Accordion>

  <Accordion title="Can I cancel my subscription?">
    Yes, cancel anytime. Credits remain valid until the end of your billing period.
  </Accordion>

  <Accordion title="Are there any hidden fees?">
    No hidden fees. You only pay for credits - transparent pricing per tier.
  </Accordion>

  <Accordion title="Do unused subscription credits roll over?">
    No, subscription credits refresh monthly and unused credits don't roll over. Consider one-time purchases if you need credits that never expire.
  </Accordion>

  <Accordion title="Can I get a refund?">
    Credits are non-refundable. Subscriptions can be cancelled anytime with no refund for the current billing period.
  </Accordion>

  <Accordion title="What's the difference between subscription and one-time credits?">
    Subscriptions refresh monthly (use it or lose it), while one-time credits never expire and can be used anytime.
  </Accordion>

  <Accordion title="How do I upgrade my plan?">
    Purchase a new subscription plan - it takes effect immediately and replaces your current plan.
  </Accordion>
</AccordionGroup>

## View Available Plans

Get real-time pricing and plan details:

```bash theme={null}
curl https://api.fincept.in/cashfree/plans \
  -H "X-API-Key: fk_user_your_key"
```

**Response:**

```json theme={null}
{
  "success": true,
  "data": {
    "plans": [
      {
        "plan_id": "basic_monthly",
        "name": "Basic Plan",
        "credits_amount": 500,
        "amount_inr": 499,
        "validity_days": 30,
        "description": "Perfect for individuals and small projects"
      }
    ]
  }
}
```

## Next Steps

<CardGroup cols={2}>
  <Card title="Get Started" icon="rocket" href="/quickstart">
    Create account and get 350 free credits
  </Card>

  <Card title="API Reference" icon="book" href="/api-reference">
    Browse all endpoints and their credit costs
  </Card>

  <Card title="QuantLib Overview" icon="chart-line" href="/quantlib-overview">
    Explore modules by tier
  </Card>

  <Card title="Contact Sales" icon="envelope" href="mailto:support@fincept.in">
    Enterprise pricing and custom solutions
  </Card>
</CardGroup>

## Contact Us

Have questions about pricing or need a custom solution?

* 📧 **Email**: [support@fincept.in](mailto:support@fincept.in)
* 💬 **Discord**: Join our community
* 📄 **Enterprise**: Request custom quote

Ready to get started? [Register now](/quickstart) and get 350 free credits instantly!